Ask HN: What type of insurance do you have for your startup? (not health)

As insurance is a bet on things going south, and startups bet on things not going south, there's very little overlap, other than what landlords and governments mandate.

Much more interesting is whether the entrepreneurs on HN have health insurance- wouldn't be surprised if most do not until they reach ramen profitable or well beyond.

If you lease space, you may be required to have General Liability Insurance. Often policies can be had for >$500 per year for a small business.

The fact that we are an LLC is a huge amount of personal insurance.

Other than that, you don't really need insurance unless you have assets.

Or if it's required by the state you're in, but most small tech start-ups don't need it, I agree.

That and if you have a lease the landlord very likely requires you to carry liability insurance.

If you're the type of startup that expects to have big companies for clients, they may dictate certain minimum requirements.

We have none. We don't consider it a big risk until we have revenue.